Gulf Insurance Group KSCKUW:GINS 62 ROA % is 3.89% as of Mar. 2026, which is 77% above its 10-year median of 2.20. GuruFocus rates KUW:GINS with a GF Score™ of 62/100 and a GF Value™ of KWD1.13 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 511 Insurance companies, Gulf Insurance Group KSC ranks worse than 52.25% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Gulf Insurance Group KSC's annualizedNet Income for the quarter that ended in Mar. 2026 was KWD52.0 Mil.
Gulf Insurance Group KSC's average Total Assets over the quarter that ended in Mar. 2026 was KWD1,335.3 Mil. Therefore, Gulf Insurance Group KSC's annualized ROA % for the quarter that ended in Mar. 2026 was 3.89%.
The historical rank and industry rank for Gulf Insurance Group KSC's ROA % or its related term are showing as below:
KUW:GINS'
s ROA % Range Over the Past 10 Years
Min: 1.83 Med: 2.2 Max: 7.21
Current: 2.41
During the past 13 years, Gulf Insurance Group KSC's highest ROA % was 7.21%. The lowest was 1.83%. And the median was 2.20%.
KUW:GINS's ROA % is ranked worse than 52.25% of 511
companies
in the Insurance industry
Industry Median: 2.73
vs KUW:GINS: 2.41
Gulf Insurance Group KSC (KUW:GINS) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, Gulf Insurance Group KSC's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Gulf Insurance Group KSC ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Gulf Insurance Group KSC's ROA % distribution charts can be found below:
* The bar in red indicates where Gulf Insurance Group KSC's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Gulf Insurance Group KSC (KUW:GINS) has a ROA % of 3.89% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Gulf Insurance Group KSC and its competitors. This is 77% above median its historical median of 2.20. Over the past decade, Gulf Insurance Group KSC's ROA % has ranged from 1.83 to 7.21. According to the industry distribution chart, Gulf Insurance Group KSC ranks #267 out of 511 companies in the Insurance industry, placing it in the top 52.3%.
Is Gulf Insurance Group KSC's ROA % too high?
Gulf Insurance Group KSC's current ROA % of 3.89% is 77% above median its 10-year median of 2.20. Over the past 10 years, this metric has ranged from a low of 1.83 to a high of 7.21. The Insurance industry median ROA % is 2.73. Gulf Insurance Group KSC's value of 3.89% is 42.5% above this industry median. Based on the distribution chart, Gulf Insurance Group KSC ranks #267 out of 511 companies in the Insurance industry, which is below the industry midpoint. Overall, Gulf Insurance Group KSC has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gulf Insurance Group KSC's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Gulf Insurance Group KSC ranks #267 out of 511 companies for ROA %. This places Gulf Insurance Group KSC in the lower half of its industry. The industry median ROA % is 2.73. Gulf Insurance Group KSC's value of 3.89% is 42.5% above this benchmark. Historically, Gulf Insurance Group KSC's own ROA % has ranged from 1.83 to 7.21 over the past decade. While the company's 10-year median is 2.20 vs. the industry median of 2.73, Gulf Insurance Group KSC has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.73, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gulf Insurance Group KSC's current ROA % of 3.89% is 42.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Gulf Insurance Group KSC and its competitors. For the Insurance industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gulf Insurance Group KSC's current ROA % is 3.89%, which is 77% above median its own 10-year median of 2.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gulf Insurance Group KSC stock overvalued right now?
Based on GuruFocus' analysis, Gulf Insurance Group KSC (KUW:GINS) is currently considered Modestly Overvalued. The stock's GF Value™ is KWD1.13, compared to a current price of KWD1.40 — trading 23.8% above its estimated fair value. The current ROA % is 3.89%, which is 77% above median its 10-year median of 2.20 and 42.5% above the Insurance industry median of 2.73. Gulf Insurance Group KSC's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Gulf Insurance Group KSC (KUW:GINS), the current ROA % is 3.89% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Gulf Insurance Group KSC (KUW:GINS) Overvalued in 2026?
Based on GuruFocus' analysis, Gulf Insurance Group KSC stock appears to be overvalued.
The current stock price of KWD1.40 is trading 23.8% above its estimated GF Value™ of KWD1.13.
GuruFocus considers Gulf Insurance Group KSC to be Modestly Overvalued.
Key valuation signals for KUW:GINS:
ROA %: 3.89% (77% above median its 10-year median of 2.20)
GF Value™: KWD1.13 vs. price of KWD1.40 (23.8% above fair value)
Industry Position: 42.5% above the Insurance median (#267 of 511)
No single metric tells the full story. See the KUW:GINS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Gulf Insurance Group KSC is an insurance company offering solutions and covering a range of risks related to Motor, Marine & Aviation, Property & Casualty, and Life & Health Insurance, both in a conventional and Takaful (Islamic insurance based on Shariah principles) basis. Gulf Insurance operates its business in two segments, namely General risk insurance and Life and medical insurance, offering general insurance including marine and aviation, motor vehicles, property, engineering and general accidents; and savings, protection products, and other long-term contracts respectively.
62GF Score
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